Adobe Rent a Car insurance coverage

When you rent a car from Adobe, you'll be offered professional coverage at competitive and transparent rates, with no hidden fees. We provide various insurance options to choose from, including:

Adobe Car Protection Plan (LDW), also known as a loss and damage waiver, CDW insurance Costa Rica, or collision damage waiver (CDW coverage). Our LDW coverage provides basic rental car coverage during the rental period, including:

• Waiving the client's financial responsibility in the event of a collision, roll-over, or other damages to the rental car.
• Coverage for partial or total theft of the vehicle.
• LDW deductible or excess amount is $1,000.

Please note that vandalism and tire damages are not covered under the LDW, and third-party damages are also not covered.

In the event of a collision, roll-over, or damage to the vehicle, an Adobe representative will assist you with filing a claim. Incident processing includes the vehicle appraisal, damage and downtime reports, repair reports, and more.

At Adobe Rent a Car, we want to ensure you have the protection you need and the peace of mind you deserve. Trust us for all your car rental insurance needs in Costa Rica.

Primary coverage options:  Several conditions apply if you wish to decline Adobe’s LDW coverage. Some clients choose to use the secondary coverage offered by their major credit card’s LDW coverage. The credit card companies we accept are Mastercard, Discover, and Amex.

Important.  What happens If you decline our Adobe LDW? You assume 100% responsibility for any and all damages incurred to the car during the rental.

You will first have to pay for the repairs and related fees while in Costa Rica. Only then can you file a claim to be reimbursed by your card carrier. Even though your credit card may cover damages to your car in Costa Rica.

Important. You must pay the total cost of the rental service with the same credit card used to decline the LDW insurance. Debit cards are only accepted under certain circumstances.

American Express rental car insurance coverage.  The following conditions apply if you want to use your Amex travel insurance as your car rental coverage. You have to enroll for the service ahead of time and pay the indicated flat rate. The rate varies per country, per rental period, and the coverage you choose.

What happens if I have an accident?

In the event you have an accident in Costa Rica, make sure you follow these important steps:

• Call 911 and report the incident. The emergency contact number for police, ambulance, fire, or any other emergency in Costa Rica is 911.
• Explain to the dispatcher that you’ve had an accident. Then a traffic police officer or “trafico” will be dispatched to your location. Make sure to let them know if you require medical assistance.
• Do not move the vehicle: You should not change any aspect of the accident scene until authorized by the traffic police. This is for insurance purposes under Costa Rican law. Do not move your car out of the flow of traffic. Most rent a car insurance, Costa Rica, agents will need to photograph the scene to determine who is responsible.
• Call our ADOBE hotline IMMEDIATELY: Report the incident to the attending agent. Call +(506) 2542-4800 during office hours between 8 a.m. and 5 p.m. Costa Rica time. After office hours call +(506) 2542-4888.
• Alert other drivers of any danger.  Place the red emergency triangle on the road about 15 feet before the scene of the accident. This will alert other drivers of possible danger.

If you opted to use your credit card’s LDW coverage and complied with the required conditions:

• Work with your Adobe agent during the claim process. We will provide you with the necessary documents for your insurance carrier when you make a claim. Make sure you read the terms and conditions carefully beforehand to understand what’s covered and what isn’t.
• Make sure to sign the claim so that we at Adobe can assist with the credit card provider’s processing requirements.

What happens if I have an accident and need to leave the country?

To leave the country while an accident claim is being processed, you must provide Adobe with:

• A current accident report in the preset format: Complete the procedures requested by Adobe and required by Costa Rican law.
• Grant Adobe Rent a Car power of attorney so we can continue the claim after you leave.

Feel free to contact one of our bilingual Adobe agents at reservas@adobecar.com. Or call 1 (855) 861-1250 (8 a.m. to 5 p.m. Central Time). We’ll be happy to answer any questions or concerns you have about the insurance process.

Some vital facts to consider if you decline the Adobe LDW

In order to make an LDW car rental insurance decline you must:

• Ensure that your major credit card is current. And make sure it provides LDW coverage in Costa Rica for the vehicle you are renting.
• Remember that the owner of the card must also be the driver of the rental car.
• Be aware of the terms and conditions of your credit card’s LDW.
• You can NOT waive the Adobe LDW if you pay with a debit card.
• Present a document that proves your credit card insurance covers the rental conditions.

Our TPW coverage is available to customers who decline LDW using their credit card protection. With the TPW, coverage for third-party property damage can be increased to $2 million and the deductible reduced to $0. This coverage will be offered by our agents at the time of the rental only to clients who present all the documentation required to decline the LDW.

With our Supplemental Protection Plan (SPP) your concerns for safety and security are covered. Our SPP is a comprehensive coverage that ensures our client’s needs are taken care of. Be it an accident in Guanacaste or a fender-bender in downtown San José.

A rental agreement with extended protection waives the deductibles from your LDW and PLI. With a ZERO deductible you will be fully covered If anything happens to the car. It also covers damages to a third party. 

This applies both for both third party damages as well as for damages to the vehicle.

Our SPP ensures that your time in Costa Rica will be spent with peace of mind. For vacation or business! No matter what happens on the road.

Adobe SPP coverage includes:

• Nation-wide 24/7 roadside assistance, including tow truck service.
• No deductible. The PLI’s 20% deductible for third-party damages is waived.
• Insurance coverage is extended up to $2 million per event.
• Vandalism damages to the car are covered. This includes the tires and windows.

If you're renting a car in Costa Rica, you might be wondering about rental car insurance costs. At Adobe, we want to make your rental experience safe, positive, and hassle-free. We understand that driving in a foreign country can be challenging, and accidents can happen. That's why we offer Extended Protection Coverage (SPP) at a low daily rate with no hidden fees, providing you with peace of mind on the road.

What happens if you choose not to purchase SPP coverage? We highly recommend opting for Adobe LDW instead, which is less complicated than relying on credit card providers for insurance coverage. With LDW, you'll only need to pay the $1,000 deductible, and nothing more. In contrast, relying on your credit card insurance means you'll have to pay the full amount of damages upfront, then file a claim and wait for reimbursement.

At Adobe Rent a Car, we believe in providing our clients with straightforward and affordable rental car insurance options. Choose the coverage that best fits your needs and budget and enjoy your travels in Costa Rica with confidence.

Clients who do not follow the Adobe rules and regulations regarding car rental coverage will lose their coverage benefits. Be aware that the PLI, LDW (from Adobe or another provider), or the SPP will not apply under the following circumstances:

• Failure to report an incident (collision or damages) to Adobe Rent a Car Company immediately after the event occurs.
• If the driver is under the influence of drugs or alcohol at the time of the event.
• If the driver is not authorized or inscribed as an additional driver in the Adobe rental agreement and damages occur.
• Any damages incurred while driving on unauthorized terrain or not officially recognized roads. This includes rivers, lakes, beaches, mangroves, flooded roads, or “off-road” conditions.
• Failure to comply with the legal claim process with the corresponding insurance company. This includes, but is not limited to:
  • Failure to report the incident to the Transit Police.
  • Failure to report the incident or claim to the insurance company.
  • Failure to comply with all legal process requirements.